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Loan rates on the call report · Q2 2026 call reports

Credit union home equity rate

Interest rate reported for 1-4 family junior-lien loans and lines. The median across all 3,016 credit unions reporting it was 6.75% for the quarter ended June 30, 2026. Among those with $25.0 million or more in assets, the middle half ran from 6.25% to 7.33% (median 6.75%).

Why it matters

This is the rate each credit union reported for home equity and other junior-lien loans and lines.

How it is calculated

The interest rate for 1-4 family junior-lien loans and lines entered on the call report.

NCUA 5300 call report accounts: ACCT_562A (interest rate, 1-4 family junior lien) · ACCT_386A (1-4 family junior-lien loans). Methodology

How credit unions are spread

Distribution of home equity rate, Q2 2026 2,685 credit unions with $25.0 million or more in assets. Middle half from 6.25% to 7.33%, median 6.75%. 3.98% median 6.75% 9.50%
2,685 credit unions with $25.0 million or more in assets. Shaded: the middle half. Line: the median. The most extreme 1% at each end (53 credit unions) are left off the chart.

By NCUA peer group

AssetsCount25th pctMedian75th pct
Under $2 million in assets35.75%5.99%6.50%
$2 million to $10 million795.25%6.00%6.78%
$10 million to $50 million6635.80%6.60%7.25%
$50 million to $100 million4946.20%6.75%7.25%
$100 million to $500 million1,0226.35%6.75%7.35%
$500 million and up7556.50%6.75%7.42%

Lowest home equity rate

Using the rules of the national ranking. See the top 100.

  1. Community 1st Credit Union Ottumwa, IA 1.00%
  2. Accentra Credit Union Austin, MN 1.99%
  3. Tonawanda Valley Federal Credit Union Batavia, NY 2.40%
  4. Riverfront Federal Credit Union Wyomissing, PA 2.49%
  5. Dowagiac Area Federal Credit Union Dowagiac, MI 2.50%
  6. Midwest Liberty Federal Credit Union McCook, NE 2.80%
  7. Veridian Credit Union Waterloo, IA 2.99%
  8. Singing River Federal Credit Union Moss Point, MS 2.99%
  9. Jetstream Federal Credit Union Miami Lakes, FL 2.99%
  10. University Federal Credit Union Austin, TX 3.00%

Highest home equity rate

  1. Mountain Star Federal Credit Union El Paso, TX 18.00%
  2. Northridge Community Credit Union Virginia, MN 17.50%
  3. Elga Credit Union Grand Blanc, MI 13.75%
  4. Community West Credit Union Kentwood, MI 13.00%
  5. The Family Credit Union Davenport, IA 10.99%
  6. Grasslands Federal Credit Union Circle, MT 10.75%
  7. Shell Western States Federal Credit Union Martinez, CA 10.23%
  8. Simplot Credit Union Pocatello, ID 10.22%
  9. Tinker Federal Credit Union Oklahoma City, OK 10.20%
  10. Southwest Heritage Credit Union Odessa, TX 10.09%

Median by state

Credit unions headquartered in each state, with $25.0 million or more in assets; states with at least three.

StateMedianCount
Pennsylvania6.16%154
North Dakota6.25%19
Hawaii6.32%38
Connecticut6.50%42
Massachusetts6.50%87
Rhode Island6.50%11
Delaware6.51%10
Maine6.53%46
New York6.58%151
New Jersey6.63%55
Kentucky6.64%34
New Hampshire6.65%11
Texas6.65%161
Iowa6.74%45
District of Columbia6.75%17
Florida6.75%85
Illinois6.75%83
Indiana6.75%84
Maryland6.75%42
Missouri6.75%47
Oklahoma6.75%33
South Dakota6.75%21
Wisconsin6.75%78
Mississippi6.79%16
Oregon6.79%41
Minnesota6.80%57
South Carolina6.81%31
Utah6.86%35
Virginia6.91%64
Michigan6.94%146
Nebraska6.95%28
Ohio6.95%131
West Virginia6.96%25
North Carolina6.98%45
Alabama7.00%53
California7.00%202
Georgia7.00%37
Louisiana7.00%45
Montana7.00%28
Tennessee7.00%80
Washington7.05%62
Colorado7.08%48
Idaho7.08%22
Vermont7.13%8
Nevada7.23%12
Alaska7.25%7
Kansas7.25%33
New Mexico7.25%19
Arizona7.35%25
Wyoming7.43%14
Arkansas7.61%13

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA. Every credit union's figure is on its own page, in the screener, and in the free API.

Questions people ask

What is the average credit union home equity rate?

The median across 3,016 credit unions was 6.75% in the Q2 2026 call reports. Among credit unions with $25.0 million or more in assets, the middle half ran from 6.25% to 7.33%.

Is a higher home equity rate better?

No. For home equity rate, lower is better for members, all else equal. Compare it with credit unions of the same size, since size and lending mix drive it.

How is home equity rate calculated?

The interest rate for 1-4 family junior-lien loans and lines entered on the call report. Source accounts on NCUA's 5300 call report: ACCT_562A (interest rate, 1-4 family junior lien); ACCT_386A (1-4 family junior-lien loans).

Which credit union has the lowest home equity rate?

Community 1st Credit Union of Ottumwa, IA, at 1.00% in Q2 2026, under the rules of the national ranking.